1300 893 199

Settlement Advances

Same Day Approval for a Settlement Advance with Funds Paid in 48 Hours* up to the Available Equity in Your Property1

24 Hrs 48 Hrs
609 Google Reviews
Nicole Rumenos
Made it every easy for me and very reasonable interest if you choose to pay later
March 2023
Aleisha Puca
Completely seamless process! Highly recommend.
March 2023
Raymond John Melton
I found this Business a pleasure to deal with, professional, expedient, & simplistic. highly recommend this Business & its Services to anyone seeking assistance pre, during or post selling a property.
March 2023
Lesley Cooke
The answer to my prayers! Wanting to sell a house but not having the funds to show it off correctly was a worry. This system has allowed me to tidy up the place and market it well. Can I give six stars? Worth it
March 2023
A wonderful Company, that you can use when you don’t have any extra money coming in from rent, while in the process of selling your place. It lifts a lot of pressure off us. What a great service. Total recommend to all my friends.
March 2023
Meg G
This is a fantastic service that reduces the financial pressure of selling your home when there’s already so many expenses! Highly recommend!
February 2023
D Scotcher
Definitely helps with the cash flow when selling the house …. Fees come out of settlement funds
February 2023
Kitty Hunter
A big shout out to Mel who is an absolute delight to deal with - she's extremely knowledgeable with any queries that I have, is always prompt to respond with further information if required, and is just lovely to deal with in general.
February 2023
Troy Matheson
Great idea and helpful in tough times when so many expenses come up when selling a property
February 2023
Kristy-Lee Guazzo
Karyn at explore is efficient, responsive and delivers exceptional results. She made the process of selling our properties extremely easy.
January 2023
Casie Black
Mel, from the customer success team was nothing short of efficient. Thank you for making life easy.
January 2023
Donna Hansen Clish
These guys really go the extra mile they know what you want and make it happen. Dreams really do come true.
January 2023
Ritesh Jain
Daniel Waters is amazing. He is very knowledgeable, helpful and always ready to help. I will highly recommend his service.
January 2023
Jason Lamaro
This place has taken the stress out of the process ,i recommend these guys to anyone new to the process of selling a property
January 2023
Laura Twining
Great service, easy to use - takes the financial pressure off at an already stressful time
December 2022
Wendy Young
I’m impressed with the level of professionalism and like that I am constantly informed of what is happening
December 2022
Lilo Stadler
A well thought out service, easy to understand and use. The cost is not prohibitive. So far I cannot see any reason for not using it and I shall report again at the conclusion of the process.
December 2022
Leanne Coleman
Great system, giving option to pay advertising on settlement, smooth very easy to use!!
November 2022
Terry Mezger
Easy to use. Good repayment terms that allow for settlement terms
November 2022
Star Guo
It is a easy and quick process to arrange my marketing fees to be paid after the property is sold. Great service and very handy!
November 2022
Olimpia Chilnicean
Very professional and friendly service, doesn't waste time. Good communication
October 2022
Stephen Choy
Great service and understanding of individual circumstances to accommodate with this service for our property sales journey
October 2022
Leonie Kitchen
We have had many experiences selling property, however this is our first experience having the opportunity to defer Advertising costs. This is a good service to allow extra time and hopefully deduct costs at settlement.
October 2022
Heath Family
Makes managing payments so efficient, takes the worry out of $$ management, giving you the option to defer your payments takes so much stress out of an already hectic time... press and forget
September 2022
Kieron Gubbins
Very prompt professional service and would definitely use them again.
September 2022
Tom Morris
I used this service to pay the marketing costs of listing my property, and it was a very easy and seamless process.
August 2022
Anna Devlin
Very quick and easy to get the application approved, and one less thing to stress about when selling your home.
August 2022
Dani Evans
Such an easy, straight forward process! Super fast, we had our approval overnight, we applied outside of business hours and Sam phoned by 9am the next morning. Very simple to use interface and the links provided were very self explanatory, even gave a breakdown of fees. Sam was an absolute lovely bloke to deal with and so helpful! Cannot fault our experience and would recommend 100%
August 2022
Kim Kelly
Being able to defer payment was fantastic for us. Our campaign was able to commence immediately and our house was on the market straight away. This is certainly a bonus
July 2022
Alex Speirs
To all concerned, it's been really good working with Realty Assist, they understand that the initial outlay of selling your property can be stressful and in this day and age money can be tight for most families. Realty Assist helps reduce the stress by deferring the on costs until the property sells. Thanks for your understanding Realty Assist.
July 2022
Dellas Port
Wow! What a fantastic way to assist seller's by deferring market costs until settlement. And so easy to use. Not only do they take the financial stress out of putting your home on the market, but they will even lend you more money to fix up those little things around the house so that you can present your home in the best possible way. And again, repayment is deferred until settlement. Cannot recommend more highly.
June 2022

How it Works - Settlement Advances

Selling or Sold Property

Selling Property
You are selling or have sold your property but you need access to some or all of the settlement funds - fast - before it settles.

Get in Touch

Get in Touch
You get in touch and let us know how much and how fast you need access to your settlement funds.

Process Application

Process Application
We review your details, process your application ASAP and keep in touch with you at every step.

Pay Settlement Advance

Pay Settlement Advance
We quickly pay your settlement advance into your chosen account, as soon as your application has been approved and you have agreed terms.

Use Advance Funds

Use Advance Funds
You use your advance to bid at auctions, put down a deposit, buy your new home, make repairs or for any other approved settlement advance purpose.

Need More Time?

Extend Advance
Your advance is set up to run for 60 days. However, if you need more time before your property settles, please contact us for assistance.

Property Settlement Completes

Settlement Completes
Your property settles and your Settlement Advance is automatically repaid out of the settlement funds.
Your Settlement Advance application will take only a few minutes to complete, so you can get your funds as quickly as possible.

Compare Settlement Advances to Bridging Loans

Settlemet Advances Logo Typical
Bridging Loans
Borrow up to Available Equity1 tick cross
Same Day Approval tick cross
Typical Funding Time 24 - 48 Hours 2 - 3 Weeks
No Application or Admin Fee tick cross
One-off Credit Fee2 tick cross
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Settlement Advances Calculator


Standard Rates

VIP Rates*

Example Advance up to 60 Days1

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Settlement Advance Costs Chart - Examples up to 60 Days

Example Borrow Repay
Preparing for Sale Costs $10,000 $10,600
Property Advertising Costs $15,000 $15,900
Pre-Sale Property Repairs $25,000 $26,500
Deposit for New Property $80,000 $84,800
Bid at Auction for Property $150,000 $159,000
Purchase Property $500,000+ VIP Rates*

What are Settlement Advances?

Home settlement advances or pre-settlement advances allow a property seller to get access to funds, from a property sale before the property finally settles. They are similar to short term bridging loans, except they can usually provide the funds to the seller much faster and with fewer checks than via traditional lenders or banks.

Settlement advances with us( Realty Assist) can be paid out on the same day in some cases, but usually within 24 hours to 48 hours of contacting us.

A settlement advance can be used for many purposes from putting down a deposit on a new property, providing funds for a property at auction or even advancing the complete purchase price for a new property - fast!

See How it Works above to learn more.

How to Qualify with Settlement Advances

To qualify with Settlement Advances, your property should be available for sale, in the process of being sold or has already sold, but you do not currently have access to the funds.

With settlement advances, the advance is secured against your property with the upcoming sale.

You should have available equity in the property1, up to the amount of the advance you wish to borrow, minus any fees.

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Do You Qualify for a Settlement Advance?

In order to qualify with Settlement Advances with your settlement advance enquiry;

You must:

  • Be over 18 years of age
  • Be an Australian resident or citizen
  • Own or have a mortgage on your home or property
  • Be selling( or have recently sold) your home or property
  • Be able to solve your cashflow needs with a settlement advance
  • Be able to repay your advance on settlement( when your property sells)

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What Can Settlement Advances be Used For?

Settlement advances can be useful in a number of situations, where you are asset rich( in a property) and have a shortfall in cash and need access to your equity fast.

If you are in the process of selling your property, you know that when your property sells, the equity that you have built up in your property will be available to you, however if you need to make use of that locked up equity before the settlement date, a settlement advance may help.

Some common examples include:

  • Getting an advance prior to the property sale for essential repairs
  • Putting down a deposit on your dream property
  • Bidding at auction for your dream property
  • Completing a property purchase to an agreed date - before your sale completes

Everyday Settlement Advance Customer Stories*


David was advanced $88,000 on his home settlement to bid at auction

David sold his property on a Tuesday and wished to attend an auction on the upcoming Saturday to purchase his new property. Unfortunately, the banks advised a wait time of approximately 14 days to get a bridging loan in place. This would mean David would miss out on the auction and perhaps buying his next home.

Luckily, with Settlement Advances, David was quickly advanced $88,000 on his pre-settlement on the same day he applied and was able to bid at the auction. He was successful in winning the auction!

David got the home he wanted and got the funds in his account within 15 minutes of his application for a small fee of just $3,695.


Susan was advanced $260,000 on her home settlement to purchase a retirement home

Susan was looking to purchase in an over 55's. Retired and equity rich but cash poor, she was unable to service a loan for the deposit to make the purchase into the new property.

RealtyAssist was able to help with the entire purchase price of $260,000 in under 48 hours and Susan settled on her new place before she settled on her sale. The sold home settled two weeks after she was already happy in her new home.

Frequently Asked Questions

What is a Settlement Advance?

A settlement advance allows a home seller to access their home's equity from a sale early without waiting for the funds to be released from the bank. A settlement advance can be a faster alternative to traditional bridging loans when the funds are needed are needed in a hurry or urgently.

See How it Works above to learn more.

Why not just wait for the settlement date to get the funds you need?

If you don't have an urgent need then that may be the best option for you to take.

However, if there is an opportunity that can't wait and will be missed by waiting, then a pre-settlement advance could help you secure the funds you need in time.

An example would be when you need to put down a deposit on your next home purchase, or bidding at auction for a property, which occurs before the settlement date. If you don't have the funds to complete the deal, you could miss out on securing your new home.

Can my settlement advance be processed on the same day I apply?

Yes it could. Settlement Advances( Realty Assist) specialise in providing fast settlement advances as a quicker alternative to bridging loans. Simply get started by completing the form above and select 24 hours. If you apply early enough in the day, your advance could be funded on the same day you apply. Otherwise it will be processed within 24 hours, during regular office hours. After you have made your enquiry, we'll give you a call back to answer any questions you may have, and let you know if their are any documents we need to see in order to get your settlement advance processed to meet your needs or deadline.

How long does the application take?

The online application is very quick and easy to complete. It should only take you 2 or 3 minutes to complete. All we need are your contact details, some details about the property you are selling and a few details about the settlement advance you wish to get. Once we have those details, we can give you a call back to answer your questions and let you know what documents we need from you to complete your advance.

How much can I borrow or advance?

The minimum advance with us $5,000, while the maximum goes up to the available equity in your property1, minus any fees - such as $1,000,000. If you are borrowing more than $500,000 with us, we can offer you lower VIP rates* for larger loan sizes, going up to a maximum of $5,000,000.

How much will a settlement advance cost me?

This will depend on how much money that you choose to advance with us and on how long you need the advance for, before it is repaid to us. At Settlement Advances( Realty Assist), we are very transparent with our costs and charges, and any costs will be clearly available in your contract when you agree and sign. See the Repayment Costs Chart above for some common examples of uses and costs.

Also see our Costs and Charges page for further information and to check out our loan calculator.

How are settlement advances different from bridging loans?

Settlement advances are often a much quicker option from bridging loans. Bridging loans can often take 2 or 3 weeks before they can be reviewed and approved. In some situations, such as bidding at an auction or putting down a deposit on a property, the funds are needed urgently and settlement advances provide a huge advantage here, as they can be approved and paid out in 24 to 48 hours in most cases. Also see the Compare Settlement Advances to Bridging Loans chart above.

When do I have to repay my settlement advance?

Your settlement advance is set up to run for an initial 60 days, which works for most people and situations. However, if you need more time after that, then speak with us, requesting to extend the the advance terms.

What documents or details do you need from me?

In most cases we will need to see the following documents and details to support your application with us for a settlement advance:

  • Contract of Sale - (if applicable) for the property you are selling or advancing against
  • Mortgage Statement - PDF document issued by your mortgage provider
  • Solicitor or Conveyancer - (if already arranged) their name, company and contact details
  • Identity Verification - A clear, colour photo of the front and back of your Driver's Licence

These documents and details can be emailed directly to us at docs@SettlementAdvances.com.au quoting your name and property address.

Can I get a same day settlement advance?

Yes, you could. Same day settlement advances are possible with Settlement Advances( Realty Assist). When making your enquiry, please select that the funds are needed in 24 hours for us to fast track your application. We'll give you a call straight back, let you know what documents we need from you and confirm when we estimate your advance can be processed and funded to your bank account. Most applications with us are processed within 24 to 48 hours and sometimes sooner, when the need is urgent.

How can I speed up my application?

To help speed up your application, complete the short enquiry form above and give us your advance details (make sure to select '24 hours'), contact details and property details straight away. We will give you a call back, so be ready to accept a phone call from us or give us a call directly to 1300 893 199, during office hours.

Will you credit check my application?

We perform certain checks, such as property ownership and confirmation of existing borrowings. If we need to complete a credit check, we will contact you first.

Can I get a joint settlement advance?

If the property you are selling or have sold is in joint ownership, then yes, you can get a joint settlement advance.

Are settlement advances better than bridging loans?

Yes and no. It really depends on your needs. If you are in a hurry and could miss out on an opportunity while waiting for your bridging loan to be processed by traditional lenders or banks, then settlement advances will be a faster option. Settlement advances may come with higher fees but can be processed and paid directly to your designated bank account in 24 to 48 hours with Realty Assist.

If you are in no rush and are happy to wait a few weeks for a bridging loan application to be processed, then this may be a good option for you.

Also see the Compare Settlement Advances to Bridging Loans chart above or our bridging loan alternatives page.

How long can I take out the settlement advance for?

Your settlement advance loan will be set up to run for 60 days, which gives most people plenty of time for their house settlement to complete and repay the advance to us. If you know that you will require a Settlement Advance for more than 60 days, please contact us first to discuss.

How can I bid at auction, before my property settles?

Settlement advances can help by advancing your property settlement funds to you, before the property finally settles. This will allow you to successfully bid at auction on your next property.

How can I get a deposit for a new home, before my current property settles?

If you are in urgent need of a large sum of money to put down as a deposit on your new home, before your current property is due to settle, a Settlement Advance could help. We( Realty Assist) specialise in providing fast settlement advances in these kinds of situations.

How can get a loan for home repairs, before I list my home for sale?

We( Realty Assist) can also help with advances on your upcoming home sale with our Vendor Paid Advertising product. We can provide advances1 for the purpose of home improvements and repairs to help fix up your property, so it gets seen in the best light - up to $30,000. Improving your chances of a fast sale at the right price.

Can I get a loan to help with advertising costs to help sell my home?

Yes you could make use of our Vendor Paid Advertising Advance product1. Simply complete the short application at the top of this page to get started. We could offer you an advance to assist with your property sale and marketing costs up to $30,000.

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